CentralNET and CentralMOBILE Features include:

  • Heightened online and mobile security
  • Remote Deposits available for Android, iPhone and iPad
  • Faster bill payment
  • Alerts – receive email or text alerts about your account activity
  • Trends Dashboard
  • Popmoney® for person-to-person transfers

Important News

  • You can now toggle between two different account views in CentralNET. The default Account Tile view can be changed to an Account table view that will present the same information in a different format. The toggle buttons are located on the top right side of the first screen, opposite Accounts.
  • For security purposes, if you are using Internet Explorer 8 or older, you will need to update to a newer version in order to access CentralNET.

Fees and Enrollment

CentralNET

CentralNET is free to our customers.

 

eStatements
  • eStatements are free.
  • You must be enrolled in CentralNET to receive eStatements.
  • To enroll, select an account on the Accounts tab, and then select Online Statements to the right of the account tile.
Personal Bill Pay and Popmoney®
  • Bill Pay users are automatically enrolled for Popmoney® and external transfers.
  • Our personal Bill Pay service is free. Popmoney® is also free.
  • There is no charge for each bill paid using our standard service.
  • Overnight payment option allows overnight delivery of physical checks via FedEx for a fee of $15. Same day electronic payments are also available for some payees at a cost of $10.
  • External transfers are free.

CentralNET

How secure is my information?

Very secure. We use multiple layers of security to protect your information including:

  • Password protection
  • Internet firewalls
  • High-level data encryption
  • Multifactor authentication during each log-on
How do I enroll for CentralNET?

You can enroll online using the following credentials:

  • Your Social Security number
  • One of your account numbers
  • Your last name
  • Your date of birth

For assistance in enrolling:
Visit any of our banking centers or call Central Bank Client Services: (859) 253-6359 or 800-637-6884.

Can I begin using CentralNET immediately after enrolling?

Yes. You will select your own user name and password and will be able to use them immediately after enrollment.

How do I receive my user name and password if I have forgotten them?

For security reasons we will not give out the username over the phone, but users can visit their local banking centers and show their IDs to receive that information.

Can I transfer funds between my accounts at Central Bank?

Yes, you can transfer funds between any of your Central Bank accounts at no charge.

eStatements

What are eStatements?

eStatements are electronic copies of your statements.

Is there a fee for using eStatements?

No, eStatements are free.

How do eStatements work?

Each month you’ll receive an email notice that your eStatement is ready for viewing. Log on to CentralNET to view, print or save your electronic statement.

Will I continue to receive a paper statement through the mail?

No, your paper statements will stop once you enroll for eStatements.

What if I need a printed copy of my statement and/or check image?

You can print statements or images of checks. Additionally, Central Bank maintains records of all statements and checks as required by state and federal law.

How long will my statements be available online?

eStatements are available online for 18 months. Your statements can also be downloaded and saved to your computer, or printed.

How do I enroll for eStatements?

Select an account, and then select Online Statements to the right of the account tile.

Bill Pay

Why should I pay my bills online?
  • Save time and money.
  • Be granted easy access to records of your bill payment history.
  • Keep track of all your bills in one location.
  • Schedule automated bill payments.
How secure is CentralNET Bill Pay?

Bill Pay is fully secure. It is recommended by security experts to help protect against check fraud and identify theft. We use multiple layers of online security to protect your information.

How much does it cost?

Standard Bill Pay service is free.

What type of account is required for Bill Pay?

Bill Pay can be used with a checking or money market account.

Who can I make payments to?

You can make payments to almost anyone. Exceptions include:

  • Tax payments.
  • Court-ordered payments.
  • Payments to payees outside the United States.
How fast are payments delivered?
  • When you schedule a payment, the payment calendar indicates the earliest available payment date.
  • Payments to electronic payees are delivered within two business days and some payees can be paid the same day (applicable fee will apply).
  • Payments issued by check are delivered in five business days.
What kinds of bill payments are available?
  • One-time payments: The payment date you specify is the date the payments will be received by the merchant, as well as the date the funds are withdrawn from your account.
  • Automatic or recurring payments: Occur with your specified frequency as many times as you indicate.
How far in advance can I schedule a payment?

Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any time period in the future, including indefinitely.

When will the money for my payments be taken out of my account?

Your account will be debited on your scheduled payment due date if the payment is sent electronically or by corporate check. If the payment is sent as a draft, it will clear the account when the check is posted to your account.

Are payments still paid even if there is not enough money in my account?

Yes. Payments are sent on the day they are scheduled. This means that standard overdraft fees may apply if there are not sufficient funds in your account to cover the payment(s).

Can I cancel or change a scheduled payment?

Yes, you can change a scheduled payment at any time before it is processed. Payments may be processed up to five days in advance of the payment due date entered by the user. The system displays an error message if you attempt to modify a payment after it has been processed.

How do I enroll for Bill Pay?
  • Just log into CentralNET, click the Pay Bills tab and read and accept the Terms and Conditions.
  • You can begin using Bill Pay immediately.
After enrollment, please note:
  • When paying a bill, always check the account the payment is being made from to ensure that you are paying from the intended account.
  • You will enter the date the payment is due. This is the date the payment will be received by the payee and deducted from your account.

eBills

What are eBills?

eBills allow you to receive your bills in CentralNET rather than by mail.

How much do eBills cost?

There is no charge for receiving eBills through our Bill Pay service.

How do I pay an eBill?

You can pay an eBill just like any other online bill payment. Or you can choose to have your eBills paid automatically with Auto-Pay.

Will I still receive a paper bill in the mail with eBills?

No. However you may print a paper copy of any eBill.

How long will my eBills be available online?

Your bills and notices are available online for six months from their arrival date.

How do I know when new eBills need to be paid?

When you log on, you will see the number of new eBills, statements and notices you’ve received. You will also receive a reminder email to notify you of new eBills in your account mailbox if they have not been viewed within four days of delivery.

When will I receive my eBills each month?

Most businesses use the same billing cycle as mailed bills, so you can expect to receive your eBill at approximately the same time of the month that you currently receive your paper bill – without the postal delay.

How do I set up eBills?

From the Payment Center on the Pay Bills tab, if any billers offer eBills, there will be a blue “eBills” option opposite the Biller name. Just click the eBills link, select “Request eBills” and follow the prompts to sign up.

Pay People (Popmoney®)

What is Popmoney®?

Popmoney® is a person-to-person payment service that allows you to send money to anyone in as little as one business day.

How do I send money with Popmoney®?

You must set up your contacts within Popmoney prior to using the feature. Once the contact is established, then you will select the contact and the method of payment.

To send money to a person, simply select their email address, mobile number, account information or debit card information and the amount you want to send.

How does the person receive the money?

If the person you’re sending money to is not registered with Popmoney®, they will receive an email invitation or text message with instructions for claiming the money. Their financial institution does not have to offer Popmoney® for them to receive the payment.

If the receiver is already registered with Popmoney®, they will receive the money in their account.

How do I know they claimed the money sent?

You can track recent and pending transactions through your history. Click “Activity” to track money you’ve sent or requested. You can also see any pending transactions.

How secure is Popmoney®?

Popmoney® uses multiple layers of security to protect your information.

  • Unique user name and password.
  • Current encryption protocols ensure that your connection and information are secure from outside inspection.
  • Your information is highly encrypted making it unreadable as is passes over the Internet.
When I send money to someone, how many days do they have to claim the money?

A person has 10 calendar days to claim the money. If the money goes unclaimed you will receive an alert letting you know that the payment has expired, and the money will be returned to your account within 2 calendar days.

Can I pay people outside of the United States?

No, our person-to-person payment service is only available for banking accounts located in the United States.

External Transfers

Can I transfer funds from my accounts at Central Bank to my accounts at other financial institutions?

Yes, with the external transfer service you can transfer funds from your accounts at Central Bank to your accounts at other U.S. financial institutions.

How do I enroll for external transfers?

Customers enrolled in CentralNET Bill Pay automatically have access to external transfers under the Pay Bills tab.

How much does it cost to use external transfers?

No charge for external transfers.

What kinds of transfers are available?

You can set up both one-time and recurring external transfers.

Can I transfer funds to accounts outside the United States?

No, external transfers are only available to accounts inside the United States.

What information will I need to use external transfers?
  • You’ll need the other financial institution’s routing number and the receiver’s account number.
  • Before you can submit your first transfer, you’ll be required to validate the external account by retrieving two small trial deposits. Instructions for this process are available on screen, and from the video tutorial on Video Tutorials page.
How long does it take to transfer funds?

External transfers take three to four business days to complete.

Alerts

What are Alerts?

Alerts are notifications sent to you when certain account events occur.

What types of Alerts can I set up to receive?
  • Low account balance alerts.
  • Withdrawals over a selected dollar amount.
  • Deposits over a selected dollar amount.
  • Secure messages available.
Is there a charge for this service?

No, Central Bank does not charge for Alerts.

How do I receive Alerts?
  • As an email to your email address.
  • As a text message to a mobile phone. (Message and data rates may apply).
How do I set up my Alerts?

For email alerts, log on to CentralNET, select the “Settings” link located in the banner, then “Alerts” and follow the instructions.

To set up text alerts, log on to CentralNET and click the “Mobile” link in the banner. From here, you can register for CentralMOBILE. Once registered, you can sign up for alerts.

CentralMOBILE

How do I enroll in CentralMOBILE?
  • Login to CentralNET and click “Register for CentralMOBILE.”
  • After you have registered your mobile device, go to the App Store or Google Play and download the App.
  • You will be asked to enter a seven-digit code as part of the App registration. Please be sure to enter the seven-digit code that is sent to your phone, not 39872.
What is CentralMOBILE?

Mobile access to your account information quickly and easily from your smartphone (iPhone or Android) or tablet (iPad).

  • Check your account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Pay bills.
  • Change and cancel pending payments.
  • Find ATM and branch locations.
How do I download and activate CentralMOBILE?

You can download the App directly from the App Store or Google Play. After installing, log in using your online banking credentials (outlined in the first section of this document).

Can I make a deposit using my phone?

Yes.

How do I make a deposit using my phone?
  • Click on the Deposit menu option, and then click Deposit Check.
  • Select an account, enter the amount, and take a picture of the front and back of the check.
  • Check must be endorsed (“For Central Bank Mobile Deposit Only”).

Your deposit will typically be in your account within two business days.

Is CentralMOBILE secure?

Yes. To ensure the safety and privacy of your account information, we incorporate multiple security features in CentralMOBILE:

  • All transactions are encrypted.
  • You must authenticate every interaction.
  • No personal or financial information is stored on your phone or tablet.
Can I use CentralMOBILE on any iPhone?

If you have an iPhone model 2G or 3G, you will not be able to update to this latest version of CentralMOBILE. However, you will still be able to use the Web App (go to centralbank.com from your mobile browser).

Why is CentralMOBILE asking permission to access some of my phone’s functions?

In order to enable some of features available through CentralMOBILE, the application needs access to the following features on your mobile device:

  • Location services – So that you can see ATM/Branch search results that are relevant to your current location.
  • Camera – So that you can use the Mobile Check Deposit feature.
  • Contacts – So that when using Popmoney you can easily select a contact from your device to pay.

Credit Sense

Central Bank now offers Credit Sense as an integrated service within the CentralMOBILE app. Credit Sense will also be offered in CentralNET Online Banking at a later date.

What is Credit Sense?

Credit Sense is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways you can save money on new and existing loans with us.

This comprehensive credit score program can help you stay on top of your credit. Credit Sense provides your latest credit score and report and an understanding of key factors that impact the score.

Credit Sense also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

What does a Credit Sense credit report include?

Credit Sense provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like with your Credit Sense provided credit score, when you check your credit report within Credit Sense, there will be no impact to your score.

Is there a fee?

No. Credit Sense is entirely free, and no credit card information is required to register.

How often is my credit score updated?

As long as you are a regular mobile banking user, your credit score will be updated every month and displayed in your mobile banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within mobile banking.

How does my Credit Sense credit score differ from other credit scores?

Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

Why do credit scores differ?

There are three major credit-reporting bureaus — Equifax, Experian and Transunion — and two scoring models — FICO or VantageScore — that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Deficient Below 500.

Will Central Bank use my Credit Sense credit score to make loan decisions?

No, Central Bank uses its own lending criteria for making loan decisions.

Will Credit Sense share my credit score with Central Bank?

No, Credit Sense is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with Central Bank.

How does Credit Sense keep my financial information secure?

Credit Sense uses bank-level encryption and security measures to keep your data safe and secure.

Your personal information is never shared with or sold to a third party.

If Central Bank doesn’t use Credit Sense credit scores to make loan decisions, why do we offer it?

Credit Sense can help you manage your credit so when it comes time to borrow for a big-ticket purchase — like buying a home, car or paying for college — you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Central Bank.

What if the information provided by Credit Sense appears to be wrong or inaccurate?

Credit Sense makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, which will allow you to pursue with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Sense Credit Report.

However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

There is a section on the site that features both Central Bank product offers and financial education articles. Why am I seeing this?

Based on your Credit Sense credit score information, you may receive Central Bank offers on products that may be of interest to you. In some cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the Credit Sense team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Will accessing my Credit Sense credit score "ping" my credit and potentially lower my credit score?

No. Checking your Credit Sense credit score is a “soft inquiry,” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.

Does Credit Sense offer credit report monitoring as well?

Yes. Credit Sense will monitor and send email alerts when there’s been a change to your credit profile.

Can Credit Sense be used on mobile devices?

Yes, Central Bank currently offers Credit Sense on both mobile and tablet devices; Credit Sense is integrated with the CentralMOBILE  app. Central Bank plans to offer Credit Sense through CentralNET Online Banking at a later date.

Trends

What is Trends?

Trends is an account aggregation tool that allows users to view and manage a complete picture of their personal finances through the use of the following categories:

  • Account Aggregation
  • Dashboard View
  • Transactions
  • Analysis
  • Budgeting and Goals
  • Investments
  • Settings Management
Can I view information from accounts I have with other financial institutions?

Yes, you can view information from accounts held at other financial institutions. It will be updated each time you log in, using the most current information provided by each institution. You cannot initiate transactions on accounts at other financial institutions from the Trends feature.

How do I manage Budgets?

Within the Budgets tab, you will be able to set monthly limits for various budget categories like mortgage payments, utilities, groceries, etc.

How do I add accounts from other financial institutions?

To add accounts from other financial institutions, click the “Add Accounts” button under the accounts tab within the Trends screen. Locate the financial institution for which the account to be added belongs by one of the following methods:

  • Enter the external FI name in the free form box to use the search by name feature.
  • Select the name of the external FI from the list of Popular Institutions.

NOTE: You must have established login credentials for each account at other institutions.

Can I view my credit card information in Trends?

Yes. You can view your credit card information for cards you have with other financial institutions. If you have a CardManager sign-on for your Central Bank credit card, you can also view your Central Bank credit card transaction. However, you will have to search for CardManager and not Central Bank. You must have established login credentials for CardManager.

Is there a charge for this service?

No, Trends is free.

Quicken and QuickBooks

Where can I find information about Quicken or QuickBooks?

Please refer to centralbank.com/ebanking for more information.

For other questions concerning eBanking, please call 859-253-6359. Service is available Monday–Friday, 8 a.m. –6 p.m.; Saturday 9 a.m.–1 p.m.